6 Questions to Ask When Choosing Dental Insurance
If you have ever needing a crown, filling or root canal, you know how expensive dental procedures can cost. Unfortunately, roughly half of all Americans do not have dental insurance, leaving them to pay for the bills on their own. Sure, you can put the work on a credit card and pay for it over time, but this involves interest and a lengthy payment schedule that might not be beneficial to your current financial standing. By obtaining dental insurance, you will receive coverage for a good majority of the procedures done in the office. However, keep in mind that dental insurance typically does not pay for 100 percent of all procedures. For example, some companies will only cover 50 percent of the costs of a crown or denture appliance, leaving you to pay the rest.
1. Do I Have a Deductible?
Like with most other insurance companies, you may have a deductible with your dental coverage. A deductible is the amount you need to pay before the insurance even takes effect. The higher the deductible, the more money you are shelling out before you even get any type of coverage. Some companies have non deductible, but they often cover less in general. Deductibles are often good for the entire year, which means that the amount is reset at the start of the next coverage period.
2. Are There Co-Pays?
A co-pay is something that you pay each time you visit the dental office. Some insurance companies have great coverage, but you are left paying a small or even large co-pay at every single visit. By finding out how much this co-pay is, you can determine if you are an eligible candidate for the coverage or if you should continue looking.
3. Is My Dentist in Network?
If you are already established with a dentist, you will find that going with an insurance that enables you to stick with them is the best choice for you. If the dentist is out of network, you will be left paying the bill until the insurance pays you back, which can be quite a hefty amount if you need to have a lot of work done on your teeth.
4. Is There a Family Plan?
If you have a family, chances are that you all need some type of dental insurance. Because of this, you are going to want to see if the insurance company you’re looking to use will offer a family plan for everyone in the household. This family plan is going to help you all to receive the dental care and coverage that you need to ensure that you have great smiles. The plan may seem more expensive in the beginning, but it actually saves you money by bundling everyone’s insurance together.
5. Does This Cover Preventative Care?
Most insurance covers preventative care 100 percent, but this isn’t the case with every single company out there. Preventative care in the dental office includes things like x-rays, exams and cleanings. These are procedures that you should have done twice a year to keep your teeth in good shape and it can get expensive if you do not have the proper coverage to get the work done.
6. Are There Other Benefits?
Some dental insurance companies offer other benefits that you might not even be aware of. These benefits include orthodontic care, eyeglasses and even pet insurance. Be sure to ask the provider about any other insurance programs they are able to offer to you. In some cases, you can save money by taking out more insurance.
Having dental insurance might seem like an inconvenience until you need a lot of work done. Then, having some type of coverage is a true blessing and well worth the amount of money you put into it. Because of this, it is important that you work with your insurance provider to find out more about what they are offering and how to go about taking out a plan. You will enjoy what this has done for you and for the rest of your family who are all in need of dental care.